> ## Documentation Index
> Fetch the complete documentation index at: https://developers.circle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Supported payment methods

CPN supports multiple payment methods for transferring funds to recipients in
different countries. The available payment methods depend on the destination
country and are determined by the payment rails available in that region.

You can discover available payment methods for specific routes using the
[configurations overview endpoint](/api-reference/cpn/cpn-platform/get-payment-configurations-overview)
or the [list routes endpoint](/api-reference/cpn/cpn-platform/list-routes).

<Note>
  **Note:** Payment method availability may vary based on your account
  configuration and the specific payment route. Always use the [list routes
  endpoint](/api-reference/cpn/cpn-platform/list-routes) to verify available
  payment methods for your specific use case.
</Note>

## Settlement times

Payment methods have different settlement characteristics:

* **Instant payments** (for example `PIX`, `SPEI`, `IMPS`): Typically settle in
  seconds to minutes
* **Batched payments** (for example `WIRE`, `CHATS`): May take 1-2 business days
  depending on the route

Actual settlement times are provided in the quote response via the
`fiatSettlementTime` field.

## Payment methods by region

The following sections detail payment methods available for specific destination
countries and regions.

### Argentina

| Payment Method | Currency | Description                              | Approximate Processing Time |
| -------------- | -------- | ---------------------------------------- | --------------------------- |
| `WIRE`         | USD      | Wire transfer for international payments | 1-2 business days           |

### Brazil

| Payment Method | Currency | Description                                                           | Approximate Processing Time |
| -------------- | -------- | --------------------------------------------------------------------- | --------------------------- |
| `PIX`          | BRL      | Brazil's instant payment system that enables real-time transfers 24/7 | 5 minutes                   |
| `WIRE`         | USD      | Wire transfer for international payments                              | 1-2 business days           |

### Chile

| Payment Method | Currency | Description                              | Approximate Processing Time |
| -------------- | -------- | ---------------------------------------- | --------------------------- |
| `WIRE`         | USD      | Wire transfer for international payments | 1-2 business days           |

### China

| Payment Method | Currency | Description                                                                   | Approximate Processing Time |
| -------------- | -------- | ----------------------------------------------------------------------------- | --------------------------- |
| `CIPS`         | CNY      | China's Cross-Border Interbank Payment System for international RMB transfers | 1-2 business days           |
| `WIRE`         | CNY, USD | Wire transfer for international payments                                      | 1-2 business days           |

### Colombia

| Payment Method  | Currency | Description                                                                        | Approximate Processing Time |
| --------------- | -------- | ---------------------------------------------------------------------------------- | --------------------------- |
| `BANK-TRANSFER` | COP      | Bank transfer for domestic payments in Colombia, processed through the ACH network | 1-2 business days           |
| `NEQUI`         | COP      | Colombia's digital wallet and instant payment system                               | 5 minutes                   |
| `WIRE`          | USD      | Wire transfer for international payments                                           | 1-2 business days           |

### European Union

| Payment Method | Currency | Description                                                    | Approximate Processing Time |
| -------------- | -------- | -------------------------------------------------------------- | --------------------------- |
| `WIRE`         | USD      | Wire transfer for international payments to European countries | 1-2 business days           |

<Note>
  **Note:** SEPA payments will attempt instant SEPA first, which delivers in
  minutes. If instant SEPA is not available for the transaction, it will fall
  back to regular SEPA, which takes 1 business day.
</Note>

<Note>
  **Note:** WIRE is available for the following countries: Andorra, Austria,
  Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland,
  France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Liechtenstein,
  Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania,
  Slovakia, Slovenia, Spain, Sweden, Switzerland, and United Kingdom.
</Note>

### Hong Kong

| Payment Method | Currency | Description                                                                  | Approximate Processing Time |
| -------------- | -------- | ---------------------------------------------------------------------------- | --------------------------- |
| `CHATS`        | HKD, USD | Hong Kong's Clearing House Automated Transfer System for interbank transfers | Same day                    |
| `FPS`          | HKD      | Hong Kong's Faster Payment System for real-time payments                     | 5 minutes                   |
| `WIRE`         | HKD, USD | Wire transfer for international payments                                     | 1-2 business days           |

### India

| Payment Method | Currency | Description                                                              | Approximate Processing Time |
| -------------- | -------- | ------------------------------------------------------------------------ | --------------------------- |
| `IMPS`         | INR      | India's Immediate Payment Service for instant interbank transfers        | 5 minutes                   |
| `NEFT`         | INR      | India's National Electronic Funds Transfer for scheduled batch transfers | Same day                    |
| `RTGS`         | INR      | India's Real Time Gross Settlement for high-value transfers              | 5 minutes                   |

### Japan

| Payment Method | Currency | Description                              | Approximate Processing Time |
| -------------- | -------- | ---------------------------------------- | --------------------------- |
| `WIRE`         | USD      | Wire transfer for international payments | 1-2 business days           |

### Kenya

| Payment Method | Currency | Description                              | Approximate Processing Time |
| -------------- | -------- | ---------------------------------------- | --------------------------- |
| `WIRE`         | USD      | Wire transfer for international payments | 1-2 business days           |

### Mexico

| Payment Method | Currency | Description                                                              | Approximate Processing Time |
| -------------- | -------- | ------------------------------------------------------------------------ | --------------------------- |
| `SPEI`         | MXN      | Mexico's electronic interbank payment system operated by Banco de México | 5 minutes                   |
| `WIRE`         | USD      | Wire transfer for international payments                                 | 1-2 business days           |

### Nigeria

| Payment Method  | Currency | Description                                                                                                     | Approximate Processing Time |
| --------------- | -------- | --------------------------------------------------------------------------------------------------------------- | --------------------------- |
| `BANK-TRANSFER` | NGN      | Nigeria's NIBSS (Nigeria Inter-Bank Settlement System) instant payment system for real-time interbank transfers | 5 minutes                   |
| `WIRE`          | USD      | Wire transfer for international payments                                                                        | 1-2 business days           |

### Singapore

| Payment Method  | Currency | Description                                                                                                                                           | Approximate Processing Time |
| --------------- | -------- | ----------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------- |
| `BANK-TRANSFER` | SGD      | Bank transfer for domestic payments in Singapore, may be processed through FAST (Fast And Secure Transfers) or MEPS RTGS (Real-Time Gross Settlement) | 30 minutes                  |
| `WIRE`          | USD      | Wire transfer for international payments                                                                                                              | 1-2 business days           |

### South Africa

| Payment Method | Currency | Description                              | Approximate Processing Time |
| -------------- | -------- | ---------------------------------------- | --------------------------- |
| `WIRE`         | USD      | Wire transfer for international payments | 1-2 business days           |

### South Korea

| Payment Method | Currency | Description                              | Approximate Processing Time |
| -------------- | -------- | ---------------------------------------- | --------------------------- |
| `WIRE`         | USD      | Wire transfer for international payments | 1-2 business days           |

### Taiwan

| Payment Method | Currency | Description                              | Approximate Processing Time |
| -------------- | -------- | ---------------------------------------- | --------------------------- |
| `WIRE`         | USD      | Wire transfer for international payments | 1-2 business days           |

### United States

| Payment Method | Currency | Description                                                       | Approximate Processing Time |
| -------------- | -------- | ----------------------------------------------------------------- | --------------------------- |
| `FEDWIRE`      | USD      | US Federal Reserve's wire transfer system for same-day settlement | Same day                    |

## Payment method characteristics

### Limits

Each payment method has minimum and maximum transfer limits that vary by:

* Destination country
* Destination currency
* Payment method type

Use the [list routes endpoint](/api-reference/cpn/cpn-platform/list-routes) to
retrieve specific limits for your payment route. When using V2 transactions,
pass `transactionVersion=VERSION_2` so returned crypto min limits include a
chain-specific buffer for fees (for example, gas fee), paid in USDC from the
source amount.